About Ann Oster
Ann grew up in Chicago, Illinois and currently resides in St John, Indiana with her husband and three children. She has been in residential lending since 1998 and formerly owned her own company which had offices in NW Indiana, Chicago, and Naperville. Whether you're buying, selling, refinancing, or building your dream home, you need a knowledgeable loan specialist. Since guidelines and regulations change frequently, you need to make sure you're dealing with a professional who will guide you through the ever changing lending world we live in. Ann prides herself on assisting you in making the most informed choice for mortgage needs. Ann attributes her success to her excellent customer services and being available to answer questions and help tailor each transaction to fit her client's needs.
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.925% | 7.228% | 0.947 ($3314.50) | $2310.96 |
15-year fixed | 5.875% | 6.342% | 0.954 ($3339.00) | $2929.91 |
FHA loan | 6.250% | 7.239% | 0.767 ($2341.27) | $2016.25 |
VA loans | 6.225% | 6.780% | 0.914 ($3734.61) | $2509.18 |
Jumbo loans | 6.350% | 6.607% | 0.972 ($8748.00) | $5600.12 |
* Rates current as of 1/2/2025 12:38 am, provided by Ann Oster, for Lake County, IN, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 125 North Main St, Crown Point IN, 46307